It's possible to save tens of thousands of dollars by using a few savvy --but simple—strategies. When we offered savings makeovers based on the strategies in my book SAVE BIG: Cut Your Top 5 Costs and Save Thousands, hundreds of "GMA" viewers wrote in. For my first "GMA" Savings Makeover, I found $46,993 in savings for the family. My second makeover netted $188,852 in savings! After that big one, I vowed that next I would make over a family with significant debt to show that even for people in that tough situation there are smart moves you can make to get out from under the bills and SAVE BIG.

Robin Shoblock of East Windsor, New Jersey, was the ideal candidate because she and her husband are normally financially solid, but a series of setbacks had put them in debt. Her husband, Gary, had been laid off from his job in pharmaceutical sales because of the recession. This came right after Robin quit her job to pursue her dream of getting a college degree at last. All this for a family that expanded from four people to seven a few years ago when Robin's sister died and the Shoblocks took in her three kids.

"I'm sure if you ask the kids, they'll tell you that there's been a lot of stress in the house," Robin told us. So I set out to reduce their stress --and their bills.

How to Save Big Through Small Changes

Strategy #1: Shop around for tech providers = $2,280 savings

First, I shopped around for cable, phone and Internet providers for the Shoblocks. I asked them if they would consider canceling cable altogether for the maximum savings, but the Shoblocks are huge sports fans, so they told me, essentially, "no way." They've been through a lot, so I decided to try to find a way for them to save money but keep that little pleasure.

The Shoblocks were paying $178 a month for a bundle that included cable, home phone and Internet -- and I just knew we could do better. By taking advantage of an introductory offer for new customers at a competitor company, I found them savings of $2,280 over the next three years! It took me about half an hour of comparing Internet speeds, channel lineups and so on.

It's the kind of move anybody can make. You just have to commit a little window of time to the task, buckle down, and go for it. Another option is for the Shoblocks to take the offer I found them back to their current carrier and see if the company will match it.

You can also shop around for medical procedures, but few people think to try. Robin's doctor wants her to get a routine colonoscopy. That's expensive and the Shoblocks have to satisfy a high deductible before their health insurance kicks in, so this is their own money we're talking about.

Even if you have a low deductible, it's worthwhile to get the lowest possible price on medical procedures because many health insurance policies, instead of charging a flat co-pay, require you to pay a percentage of the cost, called "coinsurance."